| Start Date: | June 15, 2026 |
| End Date: | September 17, 2026 (9:00 a.m. ET) |
| Bonus: | $1,000 cash back (100,000 points), usually $750 |
| Spend: | $8,000 in the first 4 months |
| Annual fee: | $0 |
| Earn: | 1.5% cash back on every purchase |
| Intro APR: | 0% on purchases for 12 months |
Chase is offering its highest-ever $1,000 bonus on the Ink Business Unlimited®, a card with a $0 annual fee. The offer ends September 17, 2026 at 9:00 a.m. ET. The Ink Business Cash® has the same $1,000 bonus, but you can earn it on only one of the two. My referral link shows the same $1,000 offer as Chase’s public page.
🔥 Section 1: The Offer at a Glance
| Welcome bonus | $1,000 cash back (100,000 Ultimate Rewards® points). Usual offer: $750. |
| Spend required | $8,000 on purchases in the first 4 months |
| Annual fee | $0 |
| Everyday earning | Unlimited 1.5% cash back on every purchase; 5% total on Lyft rides through 9/30/2027 |
| Intro APR | 0% intro APR on purchases for 12 months, then a variable APR |
| Extras | Free employee cards; 3 months of Instacart+ plus a $20 monthly Instacart credit through 12/31/2027 |
| Offer ends | September 17, 2026 at 9:00 a.m. ET |
This is the highest bonus these no-annual-fee Ink cards have ever had. Previous offers were $750 and $900.
💰 Section 2: What Year One Could Be Worth
- $1,000 welcome bonus
- +$120 from 1.5% cash back on the $8,000 you spend to earn it
- = $1,120+ in year one, before any other spending
- Plus up to $240/year in Instacart credits ($20 a month while Instacart+ is active). See my Chase Instacart credits guide.
🆚 Section 3: Ink Unlimited vs. Ink Cash (Same $1,000 Bonus)
The Ink Business Cash® has the same $1,000 bonus, the same $8,000 spend in 4 months, and the same $0 annual fee. You can only earn the bonus on one of the two, so pick the one that fits your spending:
| Ink Business Unlimited® | Ink Business Cash® | |
|---|---|---|
| Bonus | $1,000 after $8,000 / 4 months | $1,000 after $8,000 / 4 months |
| Annual fee | $0 | $0 |
| Earning | 1.5% on everything | 5% at office supply stores and on internet, cable & phone (first $25k/yr); 2% at gas stations & restaurants (first $25k/yr); 1% on everything else |
| Best for | Simple, flat cash back on all spending | Big spending on internet/phone bills and office supplies |
⚠️ Section 4: Eligibility: Read This Before You Apply
- One bonus per family: you can earn the welcome bonus on the Ink Cash or the Ink Unlimited, not both, even if you closed one years ago.
- New “lifetime” language: Chase’s terms say the bonus “may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.” Chase shows a pop-up during the application if you’re not eligible, so read it before you submit.
- 5/24 still matters: business cards don’t add to your 5/24 count, but Chase still considers it when approving you.
- You don’t need a big business. Freelancers, consultants, resellers and side hustles can apply as a sole proprietor, often using their SSN if they don’t have an EIN.
- Approval is never guaranteed, and the bonus posts 6–8 weeks after you meet the spend.
🛠️ Section 5: How to Hit $8,000 in 4 Months (Without Overspending)
- Put regular business expenses on the card: software, phone and internet, supplies, advertising
- Prepay insurance, subscriptions or other bills you already owe
- Time planned purchases (equipment, repairs, inventory) for the first 4 months
- Add free employee cards so team spending counts toward the bonus
- Tax payments through IRS-approved processors can count, but they charge fees, so do the math first
Rule #1: never spend money you weren’t going to spend just to chase a bonus.
📈 Section 6: Make the Bonus Worth Even More
The “cash back” is actually 100,000 Chase Ultimate Rewards® points. If you (or a household member) also have a Chase Sapphire Preferred®, Sapphire Reserve® or Ink Business Preferred®, you can combine points and transfer them to airline and hotel partners like World of Hyatt and United, where they can be worth well over 1 cent each.
⏰ Section 7: The Bottom Line
A $1,000 bonus on a $0 annual fee card, plus 1.5% back on everything, a 0% intro APR and up to $240 a year in Instacart credits, is one of the best no-fee business card deals Chase has ever run. It ends September 17 at 9 a.m. ET. If you’ve been thinking about a business card, this is the window.
Apply for the Ink Business Unlimited (or Ink Cash) with my referral link
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Terms & Conditions
Bonus: $1,000 cash back (100,000 points) after $8,000 in purchases in the first 4 months from account opening; allow 6–8 weeks to post. The bonus may not be available if you have ever had this card or any other Chase for Business card without an annual fee. Chase may consider other factors, including 5/24. Offer per Chase as of September 12, 2026; it ends 9/17/2026 at 9:00 a.m. ET and can change at any time. Approval is not guaranteed. This post includes my Chase referral link; I may earn a bonus if you’re approved. Not financial advice.